{"schema_version":"secwatch.filing_event.v1","accession":"0001185348-25-000040","form_type":"8-K","ticker":"PRAA","cik":"0001185348","company_name":"PRA GROUP INC","filed_at":"2025-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.945074+00:00","generated_at":"2026-05-17T00:50:06.101702+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"PRA Group Q3 net loss $408M on $413M goodwill impairment; adjusted EPS $0.53","bullets":["Net loss $407.7M ($10.43 diluted EPS) including $412.6M non-cash goodwill impairment; adjusted net income $20.9M ($0.53 diluted EPS).","Total cash collections $542.2M, up 13.7% YoY; record ERC of $8.4B, up 15.2%.","Portfolio purchases $255.5M in Q3; on track for $1.2B full-year target.","U.S. legal cash collections rose 27% YoY; European business outperformed cash collection expectations by 11% YTD.","CEO Martin Sjolund highlighted progress on U.S. cost efficiency, operations reorganization, and IT modernization."],"urls":{"canonical":"https://secwatch.observer/filing/0001185348-25-000040","json":"https://secwatch.observer/filing/0001185348-25-000040.json","markdown":"https://secwatch.observer/filing/0001185348-25-000040.md","text":"https://secwatch.observer/filing/0001185348-25-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1185348/000118534825000040/0001185348-25-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1185348/000118534825000040/praa-20251103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:50:06.101702+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}